Computer-Implemented System, Method, and Computer Program Product for Automatically Generating an Account Profile for at Least One User Associated with a Plurality of Account Identifiers

Abstract

A method for automatically generating an account profile for a user or household, including: determining a first key identification data element type; determining a first key identification data element value; determining a linking identification data element type different than the first key identification data element type; determining at least one linking identification data element value; determining at least one second key identification data element value; and generating an account profile for the user or profile, the user account profile comprising a plurality of key identification data element values associated with the at least one user. A system and computer program product for automatically generating an account profile for a user or household are also disclosed.

The invention claimed is 
     
         1 . A computer-implemented method for automatically generating an account profile for at least one user associated with a plurality of account identifiers, comprising:
 determining, with at least one processor, a first key identification data element type comprising at least one of the following: an account identifier, a primary account number, a token, an electronic wallet, an electronic device, or any combination thereof;   determining, with at least one processor, a first key identification data element value corresponding with the at least one user;   determining, with at least one processor, a linking identification data element type different than the first key identification data element type;   based at least partially on the key identification data element value, determining, with at least one processor, at least one linking identification data element value corresponding to the first key identification data element value;   based at least partially on the at least one linking identification data element value, determining, with at least one processor, at least one second key identification data element value; and   generating, with at least one processor, an account profile for the at least one user, the user account profile comprising a plurality of key identification data element values associated with the at least one user.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining, with at least one processor, a second linking identification data element type different than the second key identification data element type;   based at least partially on the at least one second key identification data element value, receiving or determining, with at least one processor, at least one second linking identification data element value corresponding to the at least one second key identification data element value; and   based at least partially on the at least one second linking identification data element value, determining, with at least one processor, at least one third key identification data element value.   
     
     
         3 . The method of  claim 1 , further comprising:
 determining, with at least one processor, user data associated with the at least one user;   based at least partially on the user data, querying, with at least one processor, a central user database comprising update data corresponding to each of the key identification data element values in the user account profile; and   modifying at least one key identification data element value in the user account profile with an updated key identification data element value corresponding to at least one key identification data element type.   
     
     
         4 . The method of  claim 3 , further comprising:
 determining, with at least one processor, a linking identification data element type different than the at least one key identification data element type;   based at least partially on the updated key identification data element value, receiving or determining, with at least one processor, at least one linking identification data element value corresponding to the updated key identification data element value;   based at least partially on the at least one linking identification data element value, determining, with at least one processor, at least one second key identification data element value; and   updating, with at least one processor, the user account profile for the at least one user with the at least one second key identification data element value.   
     
     
         5 . The method of  claim 1 , wherein the at least one user comprises a plurality of users associated with each other. 
     
     
         6 . The method of  claim 1 , further comprising:
 identifying, with at least one processor, at least one transaction associated with at least one key identification data element value in the user account profile;   determining, with at least one processor, a transaction timeframe corresponding to the at least one transaction; and   based on the transaction timeframe, assigning, with at least one processor, an assessment value to the at least one key identification data element value.   
     
     
         7 . The method of  claim 1 , further comprising:
 identifying, with at least one processor, at least one charge-back transaction associated with at least one key identification data element value in the user account profile; and   in response to determining that the at least one charge-back transaction is associated with a fraud category, flagging, with at least one processor, the at least one key identification data element value in the user account profile.   
     
     
         8 . The method of  claim 1 , wherein the key identification data element value comprises a primary account number of the at least one user, the method further comprises:
 in response to failing to identify an expiration date of the primary account number, identifying, with at least one processor, at least one transaction associated with the primary account number;   determining, with at least one processor, the expiration date of the primary account number from transaction data corresponding to the at least one transaction; and   flagging, with at least one processor, the primary account number in the user account profile.   
     
     
         9 . The method of  claim 8 , further comprising updating, with at least one processor, the expiration date associated with the flagged primary account number in the user account profile. 
     
     
         10 . The method of  claim 8 , further comprising:
 querying, with at least one processor, a central user database comprising account data corresponding to the at least one user; and   in response to determining that the primary account number has changed, updating, with at least one processor, the primary account number in the user account profile.   
     
     
         11 . The method of  claim 1 , further comprising transmitting, with at least one processor, specified data corresponding to at least one of the key identification data element values in the user account profile to at least one merchant system. 
     
     
         12 . The method of  claim 1 , further comprising:
 extracting, with at least one processor, a transaction value from transaction data of a current transaction corresponding to a first key identification data element value between the at least one user and a merchant, a transaction value;   extracting, with at least one processor, a transaction value from transaction data of a previous transaction corresponding to the first key identification data element value between the at least one user and the merchant;   comparing, with at least one processor, the transaction value of the current transaction and the transaction value of the previous transaction; and   in response to determining that the transaction values are different or a difference between the transaction values exceeds a predetermined tolerance level, generating, with at least one processor, at least one alert message.   
     
     
         13 . The method of  claim 1 , further comprising:
 in response to determining that a transaction associated with a first key identification data element value has been declined by a merchant system, selecting, with at least one processor, an alternate first key identification data element value; and   transmitting, with at least one processor, the alternate first key identification data element value to the merchant system.   
     
     
         14 . The method of  claim 1 , further comprising:
 in response to determining that a recurring payment using at least one first key identification data element value has not occurred within a specified time period, generating, with at least one processor, an alert message; and   transmitting, with at least one processor, the alert message to the at least one user.   
     
     
         15 . The method of  claim 1 , further comprising:
 generating, with at least one processor, a risk/fraud score associated with a first specified first key identification data element value;   verifying, with at least one processor, a parameter of a transaction associated with the second specified first key identification data element value; and   in response to the verified parameter, adjusting, with at least one processor, the risk/fraud score associated with the first specified first key identification data element value.   
     
     
         16 . The method of  claim 1 , further comprising:
 generating, with at least one processor, a spending profile associated with the key identification data element values; and   in response to receiving a transaction authorization request and based at least partially on the spending profile, transmitting, with at least one processor, an authorization response message.   
     
     
         17 . The method of  claim 16 , wherein the authorization response message is transmitted to at least one merchant. 
     
     
         18 . The method of  claim 16 , further comprising:
 based at least partially on the spending profile, determining, with at least one processor, a spend limit value; and   based at least partially on the spending limit value and a transaction value in the transaction authorization request, transmitting, with at least one processor, an authorization response message.   
     
     
         19 . The method of  claim 18 , further comprising modifying, with at least one processor, the spend limit value based at least partially on an updated spending profile. 
     
     
         20 . The method of  claim 16 , wherein the spending profile comprises at least one of the following: transaction value, transaction timeframe, transaction pattern, user behavior data, merchant data, or any combination thereof. 
     
     
         21 . A system for automatically generating an account profile for at least one user associated with a plurality of account identifiers, comprising at least one server computer including at least one processor, the at least one server computer programmed and/or configured to:
 determine, with at least one processor, a first key identification data element type comprising at least one of the following: an account identifier, a primary account number, a token, an electronic wallet, an electronic device, or any combination thereof;   determine, with at least one processor, a first key identification data element value corresponding with the at least one user;   determine, with at least one processor, a linking identification data element type different than the first key identification data element type;   based at least partially on the key identification data element value, determine, with at least one processor, at least one linking identification data element value corresponding to the first key identification data element value;   based at least partially on the at least one linking identification data element value, determine, with at least one processor, at least one second key identification data element value; and   generate, with at least one processor, an account profile for the at least one user, the user account profile comprising a plurality of key identification data element values associated with the at least one user.   
     
     
         22 . A computer program product automatically generating an account profile for at least one user associated with a plurality of account identifiers, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
 determine, with at least one processor, a first key identification data element type comprising at least one of the following: an account identifier, a primary account number, a token, an electronic wallet, an electronic device, or any combination thereof;   determine, with at least one processor, a first key identification data element value corresponding with the at least one user;   determine, with at least one processor, a linking identification data element type different than the first key identification data element type;   based at least partially on the key identification data element value, determine, with at least one processor, at least one linking identification data element value corresponding to the first key identification data element value;   based at least partially on the at least one linking identification data element value, determine, with at least one processor, at least one second key identification data element value; and   generate, with at least one processor, an account profile for the at least one user, the user account profile comprising a plurality of key identification data element values associated with the at least one user.